Save On Home Insurance in Huntersville, NC | TGS Insurance Agency

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Huntersville, NC

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Homeowners Insurance  »  North Carolina  »  


Comparison Shop Home Insurance in Huntersville from Multiple Carriers Instantly!

Being an independent insurance agency means we shop and compare the best Huntersville homeowners insurance options on your behalf to find you the best combination of cost and coverage. If you want an easier insurance experience, you’ll love doing business with us. How do you get started? Easy! All we need is your address; you’ll get an instant quote in 15 seconds or less. After that, our agents will tailor and further customize your policy to fit your specific insurance needs. Did we mention we re-shop your policy renewal to ensure you are still getting the best deal year after year?

You’re one click away from never worrying about home insurance again! 


Huntersville Homeowners Insurance Coverage Explained

Your home is more than just a building – it’s where memories are made and cherished. That’s why having the right home insurance in Huntersville is so important. A standard policy typically covers losses caused by weather, theft, and accidents and includes essential coverages like protection for your home’s structure, personal belongings, liability, and additional living expenses. But every homeowner’s needs differ, so working with a trusted agent who can help you customize your coverage is important. From adding flood insurance to increasing your liability limits, we’re here to help you protect what matters most.


What Does Home Insurance Cost in Huntersville?

Homeowners insurance in Huntersville costs $1,249 a year, or $104.08 a month, for TGS customers. The cost of your home insurance premium will vary based on a few different things. This can be from your credit, location, value of your home, and what year your home was built. It is normal for your home insurance to vary from this average and other numbers you see online. The great thing about it is that you can completely customize your coverage.TGS has helped over 15,000 customers save on their home insurance premiums. To lock in your savings, type your address above for an instant quote! 


Average Homeowners Insurance Cost by Coverage Level in Huntersville

The cost to replace your home is essential to determine the dwelling coverage you need on your home insurance policy; this limit directly impacts your home insurance premium. On top of affecting your average annual costs, having an accurate replacement cost can prevent you from being underinsured if a covered loss takes your entire house. These are the average annual home insurance costs in Huntersville, North Carolina, based on dwelling coverage limits associated with the policy. 

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$726.58
$200,000.00 - $299,999.00$1,024.58
$300,000.00 - $399,999.00$1,251.19
$400,000.00 - $499,999.00$1,427.37
$500,000.00 - $599,999.00$1,611.63


How the Age of Your Huntersville Home Affects Your Insurance

The age of your home can affect your insurance in many ways. Older homes are more at risk of electrical, plumbing, and heating/cooling complications. These issues increase the risk of fire and water damage in homes. Also, older homes can be less structurally sound than newer homes. This could lead to more damage when natural disasters-like hurricanes- come through. All of these can result in higher insurance premiums. In contrast, newer homes may be immune to these issues, making them cheaper to insure. 


How Different Insurance Carriers in Huntersville Differ in Price

When searching for a new home insurance policy, you want to ensure it fits your needs and is within your budget. The carrier you decide to use is one of the biggest factors affecting your premium cost. Carrier rates differ because they have different ways of determining your risk to them. Say your house is a bit older- one carrier may see that as not a huge deal, but another will take that seriously and charge you more for your premium. In Huntersville, the least expensive carrier is SageSure, and on average, Huntersville residents pay $895 a year. Here is a breakdown of the 4 most popular carriers in Huntersville and how their averages differ.

Home insurance premium by carrier in Huntersville, NC

When picking which carrier is right for you, the cheapest may not always be the best. But there is no need for endless days of researching, quoting, and aggravation. At TGS, we shop around for you. You get all the prices and coverages given to you. Then you can decide which is your perfect match!


Huntersville Zip Codes We Insure

  • 28078

Don’t see your zip code? It’s okay! At TGS Insurance Agency, we have access to a wide range of insurance carriers and products to help homeowners throughout North Carolina save money on their home insurance. Get a free, instant quote today and protect yourself, your family, and your home from the unexpected. 

TGS Insurance is Huntersville's Premier Home Insurance Provider

Huntersville neighborhood

Huntersville, North Carolina, was founded in 1873. Its historic roots still shine through today with the homesteads of Rural Hill and Historic Latta Plantation and Nature Preserve. Along with its history, it is home to shopping, NASCAR, and natural parks. Shopping and Dining are critical in Birkdale Village, where you can find fountains, gardens, and beautiful architecture.

Huntersville neighborhood

TGS Insurance Agency offers the residents of Huntersville and the surrounding areas the most comprehensive homeowner’s insurance coverage in North Carolina, coupled with the industry’s best customer service. Get a free quote today and protect your home from unexpected events

Key Home Statistics in Huntersville


Total Population in Huntersville, NC


Average Home Value in Huntersville, NC


Median Household Income in Huntersville, NC


Median Age in Huntersville, NC

Major Neighborhoods in Huntersville, NC

Image of Cedarfield Neighborhood


Located in the center of Huntersville, Cedarfield is a great neighborhood for anyone becuase of its amenities. There is beautiful landscape, clubhouses, and pools.

Image of Birkdale Neighborhood


Birkdale is near a lot of upscale restaurants and shops. This neighborhood is great for families who love biking, hiking and being outside because of the trails.

Image of The Hamptons Neighborhood

The Hamptons

The Hamptons' amenities include clubhouses, playgrounds, tennis courts, pools, and walking and biking trails. This location is 20 minutes from Charlotte Motor Speedway.

Image of Mirabella Neighborhood


Mirabella offers high-end amenities like pools, cabanas, playgrounds, and clubhouses. Residents often have social evenings at the gazebo during the summer months.

Image of Northstone Neighborhood


With easy access to Lake Norman, Northstone is a great place for people who love the outdoors. The community has golf courses, pools, tennis and basketball courts.

Image of Beckett Neighborhood


Focused towards young couples and families, Beckett is close to shops, great schools and restaurants. This is a smaller subdivision giving it a comfortable feel.

Local Home Resources in Huntersville, NC

Fire Departments
Huntersville Town - Fire Department108 N Old Statesville Rd
Huntersville, NC 28078
(704) 875-3563
Police Departments
Huntersville Police Dep...102 Gilead Rd
Huntersville, NC 28078-7825
Huntersville Police DeptPO Box 664
Huntersville, NC 28078